How to Send Money from Ghana to the USA

By | October 30, 2021

It is very easy to receive money from someone abroad when you are in Ghana, but sending money to someone in the USA is not as common and easy as we know.

In this article, we have listed some services that allow you to send money from Ghana to someone in the USA.


Remitly allows you to send money from Ghana to the USA and vice versa. They accept credit cards. If you have one, you can create a visa card. Unlike Xoom and Western Union, Remitly does not have a minimum limit which makes it possible to send a small amount of money. Also, their charges are much cheaper.

On Remitly, choosing Express allows you to send your money much quicker but charges more than the Economy which may delay but with less fee.

You can send money on Remitly using their website or mobile applications.

Wise (TransferWise)

Wise is another money transfer service that allows you to send money from Ghana to the United States. They have a very simple account setup process. One good thing about Wise is they always use the exact exchange rate you see on Google with no extra hidden cost.

Money sent through Wise will be received in the same currency within that same day or the next day.


WorldRemit specializes in sending remittances and small amounts of money. You can send up to USD5,000 from the US to Ghana using these services. Generally, they offer better rates than your local bank and more delivery options than PayPal, Western Union, or MoneyGram.

The fee ranges from USD0.99 for small amounts to USD9.99 for the maximum transfer amount.

Transfers usually take 1-3 working days to complete. Money transfers are usually available within minutes.

Western Union

Money transfer company Western Union is one of the oldest and largest in the world. They offer a variety of ways to send money to Ghana. Using their app or in person at one of their locations across the United States, you can send money online or by phone. The company offers both money transfers and cash collection services.

With so many payment options available, it’s difficult to calculate the cost without the online calculator.

Fees and exchange rates vary depending on; the amount you are sending, how you are making the transfer: on an app, online or in-person all have different fees, how you pay Western Union: fees vary depending on if you use a credit card, a debit card, a bank transfer or pay in a store If the person in Ghana is receiving into a bank account or in cash.

Xoom by PayPal

While Xoom is convenient for money transfers, it is expensive compared to other money transfer companies.

Transfer fees vary depending on the amount and how they are paid. If you pay by bank transfer, it is free, but if you pay by card, the fee is a percentage.

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